• The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 27 years!

    Join tens of thousands of other owners just like you here to get any and all Timeshare questions answered!
  • TUG is asking for recent reviews of older resorts, earn a free year membership!

    Read more here
  • TUG has now saved timeshare owners more than $17,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $17 Million dollars
  • Follow the TUG Member Banner as it travels the world on vacation with Timeshare owners! Also sign up to get the banner sent to you so you can submit a photo of your vacation with the banner to share with TUG! Banner Thread
  • Sign up to get the TUG Newsletter for free! Join tens of thousands of other owners who get this every week! Latest resort reviews and the most important topics discussed by owners during the week!
  • Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    Read more Here
  • A few of the most common links here on the forums for newbies and guests!

Insurance on unused bonus points


TUG Member
Mar 16, 2007
Reaction score
Kingston, NY USA
This September, we used about 525 points (cannot remember exactly) for 3 nights at the Fairway Villas. On our second day, we received a call that required us to rush home. We had purchased insurance so submitted a claim - even though we were using points from the 800 Bonus Points pile. We were called today - they have settled on the value of the 3 nights there being worth $165 total, so we were prorated $55 (and change). The insurance for the year cost us more than that - but at least we got something back. I am just posting this in case anyone was curious - I doubt this happened to anyone else. We had been told that the unused points could not be re-deposited, and we had not really enough of anything, nor available time, to use the remainder anyway. No complaint here (except we though this was kinda cheap) - just info, in case someone else finds that they need to cancel a portion of a DC points-based trip and file insurance. Perhaps *earned* or traded DC points are worth more?